Commercial Credit Underwriter II

Sunflower Bank, N.A.•Dallas, TX

5d•Onsite

About The Position

Sunflower Bank, N.A. is seeking a full-time Commercial Credit Underwriter II in Dallas, Texas. The role gathers, analyzes, and interprets financial and credit information to assess commercial customers’ creditworthiness, with a focus on moderately complex credit relationships. The underwriter supports Business/Commercial Bankers on new and existing loan relationships, emphasizing credit quality and risk reduction. The position analyzes borrower and guarantor financial information, prepares detailed financial and analytical reports and written credit summaries, researches relevant industries and markets, and communicates findings to bankers, management, and credit officers. It also helps monitor assigned credit files, covenant compliance, and reporting requirements; provides technical assistance; participates in projects and process improvements; and assists with training an Underwriter I. The role requires adherence to applicable laws, regulations, and company policies, including BSA, anti-money-laundering, OFAC, Fair and Responsible Banking, and Code of Ethics and Conduct requirements. The position also participates in the Bank’s Community Reinvestment Act program and performs other duties as assigned.

Requirements

At least 5 years of experience in credit analysis or portfolio management in a commercial lending environment.
Sound underwriting experience in commercial and industrial lending.
Ability to understand and analyze financial statements, including balance sheets, income statements, cash flow, and tax returns.
Proficiency in Microsoft Office Suite.
Strong business math skills.
Ability to think critically and communicate results clearly and concisely, verbally and in writing.
Ability to multitask, prioritize, and meet deadlines.
Ability to collaborate, find common ground to solve problems, and represent one’s own opinion.
Ability to stay informed about industry trends, market conditions, and regulatory requirements and continuously develop professionally.
Excellent verbal, written, interpersonal, and customer service skills to assist customers, employees, senior management, auditors, and regulators tactfully and professionally.
Ability to travel to branch offices as needed.
Ability to work flexible hours.
Must be bondable.
Ability to perform essential job functions with or without reasonable accommodation.

Nice To Haves

Bachelor’s degree in Accounting, Business, Economics, Finance, or a similar field. In lieu of a degree, a high school diploma or equivalent plus completion of a formal credit training program or certification is accepted.

Responsibilities

Review and analyze financial and credit information, including financial statements, tax returns, and credit reports, to determine borrower and guarantor creditworthiness.
Identify when further investigation or additional information is needed and contact appropriate sources to obtain it.
Prepare detailed financial and analytical reports, including historical data and trends, detailed and global cash flow analysis, and simple projections.
Research industry and market information relevant to customers’ businesses.
Prepare written analyses of new and existing loan relationships, including assessment of cash flow, collateral, and other repayment sources.
Assess strengths and weaknesses of credit relationships.
Communicate key analytical findings and opinions to Business/Commercial Bankers, management, and credit officers.
Help monitor assigned moderately complex credit files for periodic financial statements, borrowing base certificates, accounts receivable aging, and other loan-document requirements.
Address covenant compliance and financial reporting requirements.
Exercise independent judgment in credit analysis and take appropriate resulting action.
Participate in departmental or company-wide projects and propose process improvements.
Provide technical advice and assistance to Business/Commercial Bankers and customers.
Attend joint calls with Commercial Bankers to gather information about businesses.
Assist with training and development of the Underwriter I.
Stay informed about industry trends, community developments, market conditions, and regulatory requirements and understand their effect on lending criteria.
Adhere to applicable federal and state laws and regulations, including BSA, anti-money-laundering laws, and OFAC requirements, as well as company policies and procedures.
Uphold Fair and Responsible Banking practices and Code of Ethics and Conduct guidelines.
Understand and participate in the Bank’s Community Reinvestment Act program.
Perform other duties as assigned.